Exceptional

Unique estate of two chalets with panoramic views

<span class="loc_addr">Route de la Tourbière, </span><span class="loc_city">Arbaz</span>

CHF 6,200,000.-

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Finance your dream!

Financing

Purchase price
CHF 6,200,000.-

Own capital (20%)
CHF 1,240,000.-

Hypothec (80%)
CHF 4,960,000.-

Mortgage 2nd rank (15%)
CHF 930,000.-

Mortgage 1st rank (65%)
CHF 4,030,000.-

The share of equity is sufficient to allow the financing of this property.

Financing

Own capital

Price

Price of object CHF 6,200,000.-

Total purchase price

CHF 6,200,000.-

Acquisition costs

% CHF 124,000.-

Transfer costs

% CHF 93,000.-

Expenses of creation of mortgage file

% CHF 59,520.-

Total acquisition

CHF 6,476,520.-

Financial capacity

Annual income (100%)
CHF 338,182.-

Theoretical costs (73%)
9300

Very well, your financial capacity (ratio between expenses and income) is within the recommended limits.

Income

Annual incomes

Annual Costs

Rates

Theoretical Actual

Mortgage interest 1st rank

2.50%

CHF 100,750.-

Mortgage interest 2nd rank

3.75%

CHF 34,875.-

Mortgage interest CHF 135,625.-

Amortization mortgage 1^st rank

1.00%

CHF 40,300.-

Amortization mortgage 2^nd rank

1.00%

CHF 9,300.-

Total mortgage amortization CHF 49,600.-

Running/maintenance costs 1 % CHF 62,000.-

Total charges CHF 62,000.-

Total per year

CHF 247,225.-

Total per month

CHF 20,602.-

Remarks:
- Theoretically, the total amount of the housing-related costs shouldn't exceed 33% of your total income.
- Borrower is required to supply at least 10% of the lending value of the property from their own funds, which may not be obtained by pledging or early withdrawal of Pillar 2 assets.

From 1st September 2014 (New Guidelines of the SBA):
- Mortgages must in all cases be paid down to two thirds of the lending value within a maximum of 15 years. (until now 20 years)
- The lending value of real estate will be based on the market value or the purchase price, whichever is lower.
- Second incomes are now normally eligible only in the case of joint and several liability.

This financial plan doesn't have contractual value. It is at your disposal as an indication only and subject to confirmation from your Bank.